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Your credit report is not always high if you are good at paying all your bills on time. Many people don’t know how many other factors affect the score. One of the most major score determiners is how many credit cards you have open that are inactive. Lenders view that as a risk. Inactive cards (like retail stores and old gas cards) tell lenders that you might have a nervous breakdown one day, max out all of your cards at once, and get in over your head. Open cards are an invite for disaster in the eyes of a lender, so close them out!
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